Expert Mortgage Advice & Right to Acquire Mortgage Deals Suitable For You
Let us put you in touch with expert mortgage advisors who will give you impartial advice and help you find right to acquire mortgage deals suitable for you.
No credit search conducted
Working with leading lenders ...
We work with high street and other lenders so you’ll get access to suitable deals that you may be able to apply for.
Why use us?
From the information you provide to us, our experts will search the market and find the most suitable products for you. If you are happy with the product on offer, we will handle all the necessary paperwork for you, including any relevant applications, to ensure that everything runs smoothly for you.
From just a few minutes completing some basic information, we will quickly search for suitable financial products for you.
We’ve helped thousands of customers secure financial products and service so you know that you are in capable hands.
Reduced stress & time saving
Choosing the right financial product is time consuming and can be stressful, so remove much of this by putting it in the hands of one of our financial experts.
Whatever type of financial product or service you are looking for, our service is reliable and always matched to your own personal circumstances.
Whether you’re looking for Mortgage Advice, Loan Advice or Insurance Advice or any other financial product or service, we can help you…
“Did a great job helping us with our mortgage. I would recommend!”
So ... how can we help?
Buying a financial product such as a mortgage can be the biggest decision made in our lives. It is for this reason that impartial advice is critical from qualified advisors.
Right to Acquire Mortgages When You Have Bad Credit
Finding a right to acquire mortgage when you have a bad credit history can be difficult and has to be approached with care due to the shortage of lenders open to accepting these circumstances in the market. Having the advice of an expert from Finance Advice Centre will significantly enhance your chances of being accepted for this type of mortgage. With a limited number of specialist providers out there, getting it right the first time is extremely important, and our team of professional advisers can help you do that. Contact us today to get started in finding the right mortgage deal and lender to suit your personal situation.
How can I get a right to acquire mortgage with bad credit?
Firstly, it is possible to get a right to acquire mortgage with bad credit by borrowing 100% of the Discounted Purchase Price to buy your Council Home. There are a small number of lenders that offer 100% mortgages, so you may not need a deposit if they are the right fit for you.
Right to acquire mortgages are readily available from high street lenders but the majority of them will only accept your application if you have a good credit history. That is why directly looking at specialist providers and having the help of an experienced adviser is the best first step in this situation.
The first thing you can do in the right to acquire mortgage process is download a copy of your credit file from a credit reference agency such as Equifax, Experian, or TransUnion. It could be the case that once your adviser has identified a suitable lender, you can get copies of your credit file from the agency the lender uses so you can be fully sure that your credit history will be considered by that particular lender.
Next, you should check to see if you will pass the lender’s affordability test. Your adviser from Finance Advice Centre can help with this process by gathering the necessary information about you and using it on the lender’s affordability calculator to see if you are likely to pass. If you pass this step then a full application form can be submitted with all the required supporting documents.
Our approach - and how we do it
We love speaking with our clients. Either give us a call or fill in one of our contact forms. Remember, we love a challenge!
One of our Advisors will then find out what you’re looking to do, discuss your options and answer any questions you may have.
Your Advisor will find the best option for you and help arrange things. You then sit back and relax while we do the rest.
Ready to assist you.
Choosing a financial product or service, such as a mortgage, remortgage, loan or insurance can be daunting and your choice is a decision you need to get right. For this reason, it is vital that you get impartial advice from competent and qualified advisors. Whether you are a first-time buyer, looking to remortgage, hoping to remortgage or even buy a property to let, needing a loan or insurance this is where our advisers excel.
Be reassured that our aim is to guarantee reliable financial advice appropriate to any individual that makes contact with us. Through our network of contacts, we have access to thousands of financial products, from mortgages to loans to insurance, so we are confident that we’ll find one to suit you.
Key points of the Right to Buy mortgage scheme if you have bad credit
- Up to 6 CCJ’s or payment defaults can be considered in the last year
- Up to 3 late or missed rent payments can be accepted in the last year (only 1 in the past 3 months)
- Interest only will be considered
- There won’t be any early repayment charges, only a £195 Redemption Administration fee
- Different sources of income can be accepted including employed, self-employed, DWP, benefits, or pensions
- If you have the Right to Buy, but are struggling to find a mortgage, contact Finance Advice Centre and we can help get you in the right direction
As a mortgage is secured against your property, it may be repossessed if you do not keep up the mortgage repayments. Think carefully before securing other debts against your home.
See what our customers think ...
I would highly recommend the mortgage advice service Alice Hale was amazing throughout she is a credit to your organisation and helped us secure our dream home
We had a long journey buying our first home together and recent pandemic events didn’t help matters. Every step of the way, our advisor Steve was supportive, positive and we had every confidence in him. He was able to arrange a good deal for us and we were able to move into our dream house this autumn.
I used George from the finance advice centre to get my mortgage, and he was nothing but amazing! Talked me through every step, always easy to get hold of ! And got me a brilliant product I would highly recommend him, just brilliant 5 stars from me
What a Fantastic Service from start to finish. Great customer support from Ben Patten & Joe Frayne, superb product knowledge and exceptionally responsive to emails/calls, we can 100% recommend the Finance Advice Centre Ltd , they got us a great deal on a mortgage with suited life insurance, especially during this very difficult Covid 19 time ……
From start to finish, Greig and Emily were very helpful with our mortgage application. The advice Greig gave us was very clear and informed. They were always available either by phone or email to answer any questions we had. The whole process was made a lot easier because of the work they did. Would thoroughly recommend
Let us do the work of finding your mortgage
We’ll put you in touch with impartial advice from an expert mortgage advisor who will help secure you the best mortgage deals available.